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India’s legendary bank the State Bank of India (SBI) recently launched the IRCTC RuPay SBI Card, in association with the Indian Railway Catering and Tourism Corporation. Aside from the usual benefits, the IRCTC SBI RuPay card has been specially curated for regular railway travellers. 

Key Highlights of SBI IRCTC RuPay Card

Some of the key highlights of the SBI IRCTC RuPay card include:

  • On the first transaction of ₹500 and more, you can avail 350 activation points.

  • For ticket bookings through IRCTC, you get 10% ValueBack as reward points.

  • For IRCTC bookings, 1% transaction charges will be waived.

  • You can also avail a waiver of 1% fuel surcharge.

How to Apply for IRCTC SBI RuPay Credit Card

Applying for the IRCTC SBI card RuPay through Bajaj Markets will enable a seamless and convenient application process. Read on to learn how to apply for this SBI Credit Card.

  • Step 1: Head to the Bajaj Markets website.

  • Step 2: Enter your basic details as a user.

  • Step 3: Select the SBI IRCTC RuPay credit card from among the credit cards listed.

  • Step 4: Fill in the form with your personal details, including identity, residence, and income.

  • Step 5: Submit the form, and you are all set!

Eligibility Criteria and Documents Required for IRCTC SBI RuPay Credit Card

The IRCTC RuPay credit card seeks to be accessible to most Indians. As a result, the eligibility criteria and documents required for availing the card are quite minimal. Read below to learn whether you are eligible for the IRCTC RuPay SBI card and the documents you will require to avail the card.

1. Eligibility Criteria

  • Salaried applicants must be aged between 21-55 years.

  • Self-employed applicants must be aged between 21-70 years.

  • All applicants need to be Indian residents to avail this card and its numerous benefits.

2. Documents Required

  • Proof of identity, such as Aadhaar card, voter ID, PAN card, etc.

  • Proof of residence, including Aadhaar card, passport, utility bills, etc.

  • Proof of income, such as your salary slip from the last 3 months, ITR copy, Form 16, etc.

SBI IRCTC RuPay Credit Card Reward Points

The outstanding reward points system is one of the key SBI IRCTC RuPay card benefits.

  • On spending ₹500 or more in the first 45 days of availing the card, you get 350 reward points.

  • Reward points enable 10% value back while booking tickets through the IRCTC website.

  • For every ₹125 spent toward retail and railway tickets, you get 1 reward point.

  • Your reward points enable great offers on dining, golf, travel, and other entertainment.

Features & Benefits of SBI IRCTC RuPay Credit Card

SBI IRCTC RuPay card benefits include:

  • 350 activation reward points while making your first purchase of ₹500 or more.

  • You get to visit 1 railway lounge for free every quarter.

  • Exclusive and unbeatable travel offers from IRCTC, including waiver of 1% transaction fee.

  • 1% fuel surcharge waiver across all Indian petrol pumps, for transactions ranging between ₹500 to ₹3,000.

Fees & Charges on the IRCTC RuPay SBI Credit Card



Fee Payable while Joining


Fee Payable while Renewing


Finance Charges

3.35% per month or 40.2% per annum

Advance Cash Limit

Up to 80% of credit limit, capped at ₹12,000 per day

Advance Cash Charges

Up to 3.35% per month or 40.2% per annum

Cash Advance Fee while Withdrawing from SBI or Other Domestic ATMs

2.5% of the amount, starting at ₹500

Charges for Over Limit Transactions

2.5% of amount, starting at ₹500

Late Payment Fee

Nil on amount due between ₹0 to ₹500

Fee for Replacing Card

₹100 to ₹250

Minimum Monthly Amount Due

5% of total outstanding amount or ₹200 (plus taxes), whichever is higher

Other Credit Cards Offered by SBI Bank

Credit Card

Best Use Case

SBI BPCL Credit Card

Fuel, travel, and shopping

Central SBI Credit Card

Shopping, dining, and entertainment


Shopping, entertainment, fuel, and dining


Shopping, rewards, and cashback

Similar Credit Cards Offered by Other Banks

Credit Card

Best Use Case

MakeMyTrip ICICI Bank Signature Credit Card

Exclusive MakeMyTrip benefits

HDFC Bank Diners Club Privilege

Rewards, lifestyle, and lounge access

IndusInd Bank Legend Credit Card

Lounge access and reward points


  • ✔️What are the documents acceptable for IRCTC RuPay credit card?

    Any government-authorised proof of income and residence are acceptable for availing the IRCTC RuPay credit card. Additionally, you will require authorised bank statements to demonstrate your income.

  • ✔️What is the IRCTC RuPay credit card credit limit?

    The credit limit on each IRCTC RuPay credit card can be different, but you will be issued a credit limit depending on your credit profile.

  • ✔️What is the SBI IRCTC RuPay credit card customer care number?

    The customer care number for the SBI IRCTC RuPay credit card is 1860 180 1290.

  • ✔️Who should apply for the IRCTC RuPay SBI credit card?

    The IRCTC RuPay SBI credit card is best suited for individuals who frequently travel on the Indian Railways.

  • ✔️Is the IRCTC RuPay credit card accepted globally?

    Yes, the IRCTC RuPay credit card is accepted globally and can be used at any POS/ATM that accepts Diners Plus, Pulse, and Discover cards.

  • ✔️What offers does the RuPay payment network provide on the credit card?

    The RuPay payment network includes offers on golf, dining, travel, and other entertainment areas.

  • ✔️Does the IRCTC RuPay credit card offer add-on credit cards?

    For your immediate family members, you can get add-on credit cards with your IRCTC RuPay credit card.